Insights Into Bank OZK (OZK) Q1: Wall Street Projections for Key Metrics

Core Viewpoint - Bank OZK is expected to report a decline in quarterly earnings and revenues, with earnings per share projected at $1.42, down 6% year-over-year, and revenues forecasted at $398.81 million, a decrease of 1.8% compared to the previous year [1]. Earnings Estimates - The consensus EPS estimate has been revised downward by 1.5% over the past 30 days, indicating a collective reassessment by analysts [2]. - Changes in earnings estimates are crucial for predicting investor reactions, as empirical studies show a strong correlation between earnings estimate revisions and short-term stock performance [3]. Key Financial Metrics - Analysts predict an 'Efficiency Ratio' of 36.2%, up from 32.6% in the same quarter last year [5]. - 'Total Average Interest-Earning Assets (FTE)' is expected to be $35.32 billion, compared to $32.46 billion in the same quarter last year [5]. - 'Total Non-performing loans' are estimated at $119.73 million, significantly higher than $61.20 million a year ago [6]. - The 'Tier 1 risk-based capital Ratio' is projected to be 11.8%, up from 11.5% in the same quarter last year [6]. - The 'Total risk-based capital Ratio' is expected to reach 14.2%, compared to 13.8% in the same quarter last year [7]. - 'Total Nonperforming Assets' are estimated at $205.01 million, up from $121.98 million a year ago [7]. - The 'Tier 1 leverage Ratio' is expected to remain at 13.6%, consistent with the previous year [8]. - 'Total Non-Interest Income' is forecasted at $30.62 million, compared to $29.08 million in the same quarter last year [8]. - 'Net Interest Income (FTE)' is projected at $372.36 million, down from $379.96 million a year ago [9]. - The average prediction for 'Net Interest Income' is $368.42 million, compared to $376.93 million last year [9]. - 'BOLI income - Increase in cash surrender value' is expected to reach $5.88 million, up from $5.51 million a year ago [9]. - 'Loan service, maintenance and other fees' are projected to be $7.37 million, compared to $6.34 million in the same quarter last year [10]. Stock Performance - Bank OZK shares have decreased by 12.4% over the past month, while the Zacks S&P 500 composite has declined by 6.1% [10]. - The company holds a Zacks Rank of 3 (Hold), indicating it is expected to closely follow overall market performance in the near term [11].